If you have been injured on the job, and it looks like you won't be able to work for a long time, perhaps even years, then you will want to file a claim with your employer's long-term disability insurance policy. But you may want to consult with an attorney. The following are a few ways they can help.
They can help you understand the long-term disability policy
There are two types of policies. One is more common than the other and is the one that you get at the company you work for. The other is the type that you have purchased for yourself. However, regardless of which type you have, you need to read the policy before you decide to file a claim. If you have one at work, you need to obtain a copy from the human resources department. There are many portions of the policy you may not be aware of. For example, there are specific definitions of disabilities. Much of the terminology can be difficult to grasp, and it can be easily misunderstood. An attorney can go over the policy and explain the details to you.
They can help to establish your medical condition
Insurance companies don't like to pay out claims to begin with, but long-term disability claims can be expensive. The insurance company will look long and hard at your assertion that you have an injury that will keep you from working for a long time. For this reason, you will need to document your disability in a way that makes it difficult for an insurance company to challenge. An attorney who has worked with long-term injury claims will know the best way to document your medical condition to the satisfaction of an insurance company.
They can guide you through the process
If you are looking to apply for long-term disability, then you are likely already receiving benefits for workers' compensation. However, the process of moving from a short-term disability to a long-term disability is not simple. Even if you get approval, there can be a delay of several months until you get long-term benefits. In addition, many long-term disability insurance policies are tied to Social Security Disability. Basically, the priority is with Social Security benefits, and after subtracting out this benefit, your long-term disability policy will pay the balance. An attorney can help explain the details.
An attorney is critical for your long-term disability claim. They can read the policy and explain the details in easy-to-understand language. They can help document your medical condition to the satisfaction of the insurance company, and they can guide you step-by-step through the entire process of converting a short-term disability to a long-term one. Contact a company, such as Iler and Iler, for more information.
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